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* [ Rewards credit cards](/personal-banking/credit-cards/reward/)
* Altitude Velocity Black

# Altitude Velocity Black

Our premier Velocity credit card gets you our highest Velocity Points earn rate as well as complimentary airport lounge access, seat upgrades, insurances and concierge.

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##  Get up to 150,000 bonus Velocity Points

Star1 Already with Westpac? Sign in to apply for a $200< card fee for the first year (reverts to $295 p.a. thereafter). 

**Get up to 150,000 bonus Velocity Points — 90,000** Velocity Points in year 1 if you spend $6k+ on eligible purchases within 90 days of new card approval and an extra **60,000** points with $6k+ spend on eligible purchases within 90 days of card anniversary in year 2.

Offer not available if you’ve held an Altitude Platinum or Altitude Black card with Altitude Rewards, Qantas or Velocity in the last 24 months. New cards only. T&Cs apply.  

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[ Already with Westpac? Sign in to apply](https://www.ui.westpac.com.au/origin/etb0/content/secure-pers/credit-cards/velocity-rewards/altitude-velocity-black/summary) [ Already with Westpac? Sign in to apply](https://www.cmsservices.westpac.com.au/app/banking/deeplink?screenId=externalRedirectorWithParams&param0=contentspa&param1=secure-pers%28%5F$%29credit-cards%28%5F$%29velocity-rewards%28%5F$%29altitude-velocity-black%28%5F$%29summary&targetpath=https%3A%2F%2Fwww.ui.westpac.com.au%2Forigin%2Fetb0%2Fcontent%2Fsecure-pers%2Fcredit-cards%2Fvelocity-rewards%2Faltitude-velocity-black%2Fsummary) [ Not yet with us? Apply here](/personal-banking/credit-cards/reward/altitude-velocity-black/summary/) [ Not yet with us? Apply here](/personal-banking/credit-cards/reward/altitude-velocity-black/summary/) 

## At a glance

| **$295**         | Annual card fee                                     |
| ---------------- | --------------------------------------------------- |
| **$75**          | Annual Altitude Velocity Rewards Program fee        |
| **20.99% p.a.**  | Variable purchase rate                              |
| **21.99% p.a.**  | Variable cash advance rate                          |
| **$6,000**       | Minimum credit limit                                |
| **$75,000 p.a.** | Minimum income required                             |
| **1.2**          | Velocity points per $1 on international spend       |
| **0.8**          | Velocity points per $1 on everyday spend            |
| **0.5**          | Velocity points per $1 spend on all other purchases |

Once you spend $10,000 in a statement cycle, you will earn 0.25 Velocity points per $1 on further eligible purchases.

See below for standard rates and fees.

### What kind of businesses are included in the new ‘everyday spend’ category?

Our 'everyday spend' category consists of 5 sub-categories: supermarkets, department stores, petrol stations, dining and utilities. Below is a list of examples of merchants included in these 5 categories:

* **Supermarkets** include stores such as Woolworths, Coles, IGA, Harris Farm and ALDI
* **Department stores** include stores such as Kmart, Target, Big W, David Jones and Myer
* **Petrol stations** include stores such as 7-Eleven, Shell, Ampol, Caltex and BP
* **Dining** includes restaurants, cafes, fast food, bars, hotels and entertainment venues
* **Utilities** include payments for water, gas, electricity, internet, mobile and streaming services (excluding BPAY® payments).

## Why choose Altitude Velocity Black?

###  Velocity Points – uncapped

You’ll earn Velocity Points which will be credited directly to you Velocity Frequent Flyer account, where they can be redeemed for flights, upgrades, shopping and more.

###  Complimentary Insurances

 Access to Interstate Flight Inconvenience Insurance and Rental Vehicle Excess in Australia cover, up to 6 months' complimentary cover for international travel insurance, plus extended warranty, purchase protection for up to 4 months and overseas transit accident insurance. (terms, conditions, exclusions and eligibility criteria apply).

###  Upgrade your trip

Not only will you get complimentary Economy X seat Upgrade vouchers each year, you'll get complimentary Virgin domestic lounge passes too.See FAQs for full details and how to redeem.

## Other reasons to choose

[Up to 45 days interest-free](#tab1) 

To give you more opportunity to avoid interest charges on your purchases. Note cash advances aren’t covered by this interest-free period. 

[No card? No problem ](#tab2) 

On top of Apple Pay, Samsung Pay and Google Pay, you can use our Instant Digital Card from the moment your account is opened. No need to wait for a physical card.

[Additional cardholder](#tab3) 

Add 1 additional cardholder (16 years or older) at no extra cost.

[Fraud protection](#tab4) 

 From verifying unusual transactions to our fraud money back guarantee, we aim to keep you [protected](/security/westpac-protect-centre/).

[Tools to stay on top](#tab5) 

These include options like [PartPay](/personal-banking/credit-cards/partpay/), [SmartPlan](/personal-banking/credit-cards/smartplan/), [Balance Transfers](/personal-banking/solutions/staying-credit-smart/using-balance-transfers/how-to-do-a-balance-transfer/), [Card Autopay](/personal-banking/online-banking/making-the-most/card-autopay/) and [SMS payment reminders](/faq/credit-card-reminder-set-up-app/).

[Personal Concierge Service](#tab6) 

Exclusive to Westpac Altitude Black cardholders, the Personal Concierge Service lets you browse and book experiences online, including hard-to-get tickets, last-minute restaurant bookings and more.

[Find out more](https://westpac.tenconcierge.com/)

[Cashback and discounts](#tab7) 

With a Westpac credit card, you'll get personalised cashback offers from [Westpac Extras](/personal-banking/credit-cards/westpac-extras/), Westpac bonus Cashback when you shop via the [Westpac Lounge](/personal-banking/online-banking/making-the-most/rewards-and-offers/offers/shopback/) on ShopBack, plus other discounts and offers from a wide range of shops, in-store and online.

## Take control of your money within the Westpac App

Powerful money management tools in the palm of your hand.

##### Get spend and cash flow insights

Track your month-to-month [Cash flow](https://www.westpac.com.au/personal-banking/online-banking/insights-hub/spend-insights-and-budgeting-tools/) and spot areas where you could be making savings with your spend sorted in [Categories](https://www.westpac.com.au/personal-banking/online-banking/insights-hub/spend-insights-and-budgeting-tools/). 

##### Manage your cards in one place

Order a new card, change your pin or temporarily lock your card if you misplace it, all in the app's convenient [Cards Hub](https://www.westpac.com.au/personal-banking/online-banking/making-the-most/cards-hub/).

##### View and transfer funds fast

[Quick Balance](https://www.westpac.com.au/personal-banking/online-banking/making-the-most/quick-balance/) lets you view the balance of three main accounts and quickly transfer money without signing in.

[ Explore our in-app's budgeting tools ](https://www.westpac.com.au/personal-banking/online-banking/insights-hub/spend-insights-and-budgeting-tools) [ Explore our in-app's budgeting tools ](https://www.westpac.com.au/personal-banking/online-banking/insights-hub/spend-insights-and-budgeting-tools) 

## Standard rates and fees

 New cards only  

[Follow these tips to minimise credit card fees and charges](/personal-banking/credit-cards/manage/fees-interest/minimising-fees/).

| Annual card fee            | $295                                                                                                                                                                                                                                                                                                                                                                                                                                                       |
| -------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Annual Rewards Program fee | $75                                                                                                                                                                                                                                                                                                                                                                                                                                                        |
| Foreign transaction fee    | 3%  Payable as a percentage of the Australian dollar value of any foreign transaction.  Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution. Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. [More about this fee](/personal-banking/credit-cards/manage/fees-interest/minimising-fees/). |
| Cash advance fee           | 3.5% of the value of the transaction will apply to each cash advance made on your card account. These charges will appear on your credit card statement directly below the relevant cash advance.                                                                                                                                                                                                                                                          |
| Missed payment fee         | $20 each statement cycle that the minimum monthly payment is not paid by the statement due date.                                                                                                                                                                                                                                                                                                                                                           |

## Alternative credit cards

## Compare our Velocity Credit Cards

Compare features such as annual card fees, points earn rates and minimum credit limits to help you decide which Velocity Rewards credit card is right for you.

[Compare our Velocity Rewards Credit Cards](/personal-banking/credit-cards/velocity-credit-cards/) 

[](/personal-banking/credit-cards/reward/)

[View all Rewards cards](/personal-banking/credit-cards/reward/)

[](/personal-banking/credit-cards/low-fee/)

[View Low Fee cards](/personal-banking/credit-cards/low-fee/)

[](/personal-banking/credit-cards/)

[View all credit cards](/personal-banking/credit-cards/)

## Frequently asked questions

[How do I register for the complimentary lounge passes?](#tab1) 

##### Virgin Australia Domestic Lounge  

If you choose Altitude Velocity, you just need to provide us with your Velocity Frequent Flyer number and make a direct spend at Virgin Australia each year from your card open date. The Virgin Australia domestic lounge passes will then be available in your Velocity Frequent Flyer account within 10 business days, ready for you to enjoy the next time you travel domestically with Virgin Australia.

[How do I access my Economy X Seat Upgrades?](#tab2) 

When you choose Altitude Velocity rewards you can also enjoy 2 Economy X seat upgrades a year, on selected domestic Virgin Australia flights. To receive the upgrades, simply provide us with your Velocity Frequent Flyer number and make a direct spend at Virgin Australia on your Altitude Black Mastercard. Vouchers will then be available in your Velocity Frequent Flyer account within 10 business days.

To redeem your Economy X Seat Upgrade vouchers you must first book an eligible domestic flight directly with Virgin Australia. Once you have booked an eligible domestic flight with Virgin Australia, you will need to call the Virgin Australia Guest Contact Centre on [1300 038 373](tel:1300038373) to redeem your Economy X Seat Upgrade vouchers.

[How does the Complimentary International Travel Insurance work and am I eligible for it?](#tab3) 

You can obtain written confirmation of eligibility for cover for your overseas journey from the issuer of the insurance, AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited, based on the answers you give AGA, by applying online at: [checkyourcover.com.au/westpac](https://travel.agaassistance.com.au/westpac/travel-insurance). If you provide AGA with incorrect answers to the questions we ask you, you may not be eligible for cover under the group policy issued to Westpac.

[What do the complimentary insurances cover?](#tab4) 

##### International Travel Insurance(see policy for details)

 Access to up to 6 months' complimentary cover for International Travel Insurance when you meet the eligibility criteria as set out in the Credit Card Complimentary Insurance Policy including prepaying $500 of your travel costs to your eligible card and holding a return overseas ticket before departing Australia, (see policy document for full eligibility criteria, terms, conditions, and exclusions).

##### Overseas Transit Accident Insurance

 Overseas Transit Accident Insurance covers against specified accidental death or injury when sustained overseas while riding, boarding or alighting as a passenger in a plane, bus, train or shorthaul ferry when you have purchased the tickets for the entire trip using your Credit Card before you leave (terms, conditions, exclusions and eligibility criteria apply).

##### Purchase Protection Insurance

 Access to up to 4 months Purchase Protection Insurance on eligible purchases, as set out in the Credit Card Complimentary Insurance Policy (terms, conditions, exclusions and eligibility criteria apply).

##### Extended Warranty Insurance

Up to 24 months extended warranty insurance cover (in addition to the manufacturer's expressed Australian warranty) on a range of personal items purchased using your Credit Card (terms, conditions, exclusions and eligibility criteria apply).

[What is the personal concierge and how does it benefit me?](#tab5) 

We've recently partnered with Ten Lifestyle Services. Westpac Altitude Black cardholders will now be able to browse and book experiences with ease, purchase hard-to-get tickets, make last-minute restaurant reservations and more, all online. You can [find out more here](https://westpac.tenconcierge.com/), or reach our Lifestyle Managers on [1300 651 999](tel:1300651999) (option 4) for 24/7 personalised assistance.

## Keep exploring

###  Credit card 101

* [Understanding credit cards](/personal-banking/solutions/staying-credit-smart/understanding-credit-cards/)
* [Platinum or Premium rewards credit cards?](/personal-banking/solutions/staying-credit-smart/earning-rewards/platinum-or-premium-rewards-credit-cards/)
* [How to compare rewards credit cards](/personal-banking/solutions/staying-credit-smart/earning-rewards/how-to-compare-rewards-credit-cards/)
* [Managing credit card debt](/personal-banking/credit-cards/debt/)

###  Travel and rewards

* [Travel rewards credit card benefits](/personal-banking/solutions/staying-credit-smart/earning-rewards/rewards-cards-benefits-travel/)
* [Which credit card for travel?](/personal-banking/credit-cards/explore/choosing-a-credit-card-for-travel/)
* [Travelling overseas?](/personal-banking/credit-cards/manage/travelling-overseas-insurance/)

###  Handy articles and guides

* [What is credit card purchase protection and extended warranty?](/personal-banking/solutions/staying-credit-smart/earning-rewards/credit-card-purchase-protection-and-extended-warranty/)
* [How to get the most of your rewards card](/personal-banking/solutions/staying-credit-smart/earning-rewards/how-to-get-the-most-of-your-rewards-credit-card/)
* [Smart ways to redeem Altitude Points](/personal-banking/credit-cards/explore/redeem-altitude-points/)
* [What is the concierge service on a credit card?](/personal-banking/solutions/staying-credit-smart/earning-rewards/what-is-credit-card-concierge/)

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### Get started

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Telephone 

###### Give us a call

[ Contact us ](https://www.westpac.com.au/contact-us/?fid=GL:GPH:None:wbc:www:contact-us) [ Contact us ](https://www.westpac.com.au/contact-us/?fid=GL:GPH:None:wbc:www:contact-us) 

Search 

### Help me choose

Use the selector to find a card that's right for you.

[ Let’s begin ](/personal-banking/credit-cards/help-me-choose/) [ Let’s begin ](/personal-banking/credit-cards/help-me-choose/) 

## Things you should know

[Westpac Credit Cards Key Facts Sheet](https://www.westpac.com.au/personal-banking/credit-cards/credit-cards-fact-sheet/)

[ Pdf File Altitude Terms and Conditions (PDF 117KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf)

[ Pdf File Westpac Credit Cards Complimentary Insurance Policy (PDF 898KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC%5FConsumer%5FCredit%5FCard%5FComp%5FInsurance%5FAllianz.pdf)  

[ Pdf File PartPay Card Terms and Conditions (PDF 96KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/partpay%5Fcard%5Fterms%5Fand%5Fconditions.pdf)

[ Pdf File ID checklist to become a customer (PDF 657KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/new-customer-checklist/Checklist%5FIndividualCustomers.pdf)

Credit criteria, fees and charges apply. Credit Card Product Switches, upgrades or Westpac group staff are ineligible.

This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

**Be credit savvy:** Before applying, consider a realistic credit limit and check all conditions, interest rates, fees and charges on your selected card.

**\~ Bonus Qantas or Velocity Points Promotion Altitude Black:** Offer commenced 1st May 2026\. To be eligible for bonus Qantas or Velocity Points, you must apply and be approved for a new Altitude Qantas Black or Altitude Velocity Black credit card before the offer is withdrawn. You will receive an initial 90,000 bonus points if you spend $6k or more on eligible purchases within 90 days of card approval. These will be credited to your points balance within 12 weeks of meeting this spend criteria. In your second year, spend a minimum of $6k on eligible purchases within 90 days of your card opened date anniversary, and you'll earn an additional 60,000 bonus points. These additional points will be credited to your points balance within 12 weeks of meeting the spend criteria. If you do not meet the minimum spend in the first year, you forfeit the bonus points for the first year only, however you are still eligible for bonus points in the subsequent year if you meet the minimum spend in the subsequent year during the promotional period. Existing Westpac customers who currently hold an Earth Classic, Earth Platinum, Earth Platinum Plus, Earth Black, Altitude Classic, Altitude Platinum or Altitude Black credit card, or who have held one in the last 24 months, are not eligible for this offer. Qantas or Velocity Points earned during a statement cycle are added to your Qantas or Velocity Points balance on a monthly basis. Eligible purchases do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account. Credit Card Product Switches, upgrades or Westpac group staff are ineligible for this offer. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion. 

**<Existing Customers Only - Reduced First year Card Fee for Altitude Qantas Black and Altitude Velocity Black:** Offer commenced 1st May 2026\. The discounted first year Card Fee of $200 is available for existing Westpac customers when you apply and are approved for a new Altitude Black credit card before the offer is withdrawn. After the first year, the Card Fee reverts to $295 thereafter, and will be debited to your account annually on the 12-month anniversary of the Card Fee date. A $75 annual Rewards Program Fee still applies for Altitude Velocity and Altitude Qantas if you choose these programs. This promotion may be varied or withdrawn at any time and is not available in conjunction with any other promotion.

**†Eligible purchases** do not include interest, fees and charges, cash or ATM cash advances, cash equivalent transactions, gambling transactions, a purchase from or payment to a local, state or federal government or government related agency, BPAY or similar transactions (such as Post Billpay), refunds and balance transfers debited from the card account.

**Rewards Points:** The earning and redemption of Altitude Points, Velocity Points and Qantas Points are subject to the [ Pdf File Altitude Terms and Conditions (PDF 117KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf). Purchases that are not eligible to earn Rewards Points are set out in the [ Pdf File Altitude Terms and Conditions (PDF 117KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-altitude-terms-and-conditions.pdf). You do not receive points if you have not paid the Minimum Payment Due in full and on time and in other circumstances. Points earnt for [ Pdf File PartPay (PDF 96KB)](https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/partpay%5Fcard%5Fterms%5Fand%5Fconditions.pdf) Purchases are based on the full value of the purchase, and not on each instalment amount. Qantas and Velocity Points earned during a statement cycle are added to your respective Points balance on a monthly basis.

**<<If you choose to make any payment** in any category using an intermediary service (such as Afterpay, PayPal or similar services), these transactions will be categorised as ‘all other purchases’. We classify transactions using information provided to us by the card scheme (Visa or Mastercard), which tells us about the main type of business conducted by the Merchant.

**Altitude Velocity or Qantas**: In order to earn and redeem points, you must be a member of the relevant Frequent Flyer program. An annual $75 Rewards Program Fee applies for customers who choose this option.  

**Concierge Services** for Altitude Black. Concierge services are provided by a third party supplier. For further details including terms and conditions visit [westpac.tenconcierge.com](https://westpac.tenconcierge.com/)

**4\. Complimentary insurance covers:** AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631, trading as Allianz Global Assistance (AGA), under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 (Allianz), has issued an insurance group policy to Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) which allows eligible persons to claim under it as third party beneficiaries. Access to the benefit of cover under the Credit Card Complimentary Insurance is provided to eligible Westpac cardholders by operation of s48 of the Insurance Contracts Act 1984 (Cth). If an eligible persons wishes to claim any of these benefits, they will be bound by the eligibility criteria, terms, conditions, limits and exclusions contained in the [ Pdf File Complimentary Insurance Policy Information booklet (PDF 898KB)](/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC%5FConsumer%5FCredit%5FCard%5FComp%5FInsurance%5FAllianz.pdf) which may be amended from time to time. This insurance is underwritten by Allianz. Westpac does not guarantee this insurance. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it.

**5\. Additional cardholder:** An additional credit card can be issued on the primary cardholder’s account to any nominated person 16 years or over. All transactions using the additional credit card will be the responsibility of the primary cardholder. All Altitude, Velocity or Qantas Points remain the benefit of the primary cardholder. No additional cardholders allowed on Flex Card.

**7\. Economy X Seat Upgrade Vouchers:** Two complimentary Economy X Seat Upgrade Vouchers (for eligible domestic flights only) are available to Westpac Altitude Platinum Mastercard and Westpac Altitude Black Mastercard primary cardholders earning Velocity Points through the Altitude Velocity rewards program. To be eligible, your card account must not be in arrears for more than two consecutive statement cycles in accordance with the Altitude Terms and Conditions, you must have provided Westpac with your Velocity Frequent Flyer number and you have made a direct spend with Virgin Australia (Eligible Spend) on your Altitude Platinum Mastercard or Altitude Black Mastercard every year from card open date. Economy X Seat Upgrade Vouchers are valid for 12 months from date of issuance and will appear on your Velocity Frequent Flyer membership account within 10 business days of meeting Eligible Spend. Economy X Seat Upgrades are available to other passengers travelling on the same itinerary as the primary cardholder. Each Economy X Seat Upgrade Voucher can only be redeemed on an eligible non-stop Virgin Australia operated domestic Australian flight. The Economy X Upgrade Voucher is valid per single flight sector only. All Economy X Seat Upgrade Voucher redemptions are subject to availability. No Velocity Points or Status Credits will be awarded for Economy X Seat Upgrade Voucher redemptions. To redeem, book an eligible domestic flight with Virgin Australia on your Altitude Velocity Mastercard and then call the Virgin Australia Guest Contact Centre on [1300 038 373](tel:1300038373) at least 24 hours prior to your flight to apply your Economy X Seat Upgrade. All Economy X Seat Upgrade Voucher redemptions are subject to availability and neither Virgin Australia nor Westpac guarantee that Economy X seats will be available on the flight you may wish to redeem on. All travel is subject to the [Economy X standard Terms and Conditions](https://www.virginaustralia.com/eu/en/experience/on-board-the-flight/seat-selection/eligibility/) and the [Virgin Australia Fare Conditions and Virgin Australia Conditions of Carriage](https://www.virginaustralia.com/us/en/about-us/legal-policies/conditions-of-carriage/) as amended from time to time. 

The Westpac Extras program is subject to the [ Pdf File terms and conditions (PDF 164KB)](/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac%5Fextras%5Fterms%5Fand%5Fconditions.pdf) at [Westpac.com.au/extras](/personal-banking/credit-cards/westpac-extras/). Offers will also be subject to their own terms and conditions.

Read the [ Pdf File Apple Pay Terms and Conditions (PDF 160KB)](/content/dam/public/wbc/documents/pdf/pb/WBC-apple-pay-westpac-tcs.pdf) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card and a compatible device with a supported operating system. See our [Apple Pay FAQs](/faq/apple-pay/) for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Read the [ Pdf File Samsung Pay Terms and Conditions (PDF 147KB)](/content/dam/public/wbc/documents/pdf/westpac-live/mobile-wallets/Samsung%5FPay%5FWBC%5FTandCs.pdf) before making a decision and consider if it is right for you. To use Samsung Pay you will need an eligible card and a compatible device with a supported operating system. See our [Samsung Pay FAQs](/personal-banking/mobile-wallets/samsung-pay/) for more information. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.

The [ Pdf File Google Pay Terms and Conditions (PDF 158KB)](/content/dam/public/wbc/documents/pdf/westpac-live/mobile-wallets/Westpac%5FGoogle%5FPay%5FTerms%5Fand%5FConditions.pdf) before making a decision and consider if it is right for you. To use Google Pay you will need an eligible card and a compatible device with a supported operating system. See our [Google Pay FAQs](/personal-banking/mobile-wallets/google-pay/) for more information. Google Pay is a trademarks of Google Inc.

**Westpac Fraud Money Back Guarantee** ensures that customers will be reimbursed for any unauthorised transactions provided that the customer has not contributed to the loss and contacted Westpac promptly. Refer to the card's [ Pdf File Terms and Conditions (PDF 264KB)](/content/dam/public/wbc/documents/pdf/pb/credit-cards/westpac-credit-card-terms-and-conditions.pdf) for full details, including when a customer will be liable.

BPAY® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.

Mastercard® is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.